These terms and conditions ("terms") establish a legal contract between you, the user, and Ayala Healthcare Advising Insurance Agency ("we," "our," or "us"). By accessing this website or submitting an inquiry, you acknowledge and accept these terms. If you do not agree, you should not use this website or submit any requests for information.

This agreement mandates that any disputes between you and us will be resolved exclusively through binding arbitration. By accepting these terms, you forfeit your right to pursue legal action, participate in class-action lawsuits, or have your case heard by a judge or jury.

Services We Provide

Ayala Healthcare Advising Insurance Agency facilitates connections between users and insurance providers who may respond to inquiries. We do not charge users for submitting requests but may receive compensation from third-party providers for referrals.

The information you provide is shared with insurance providers who offer relevant products and services. Please review our privacy policy, which is an integral part of these terms. By submitting your information, you consent to be contacted by insurance providers via phone, email, text message, or mail, even if your number is registered on a national or state Do Not Call list.

No Endorsements or Guarantees

We do not promote or recommend any specific insurance provider or policy.Ayala Healthcare Advising Insurance Agency is not a licensed insurance provider and does not directly offer insurance products or services. We assume no responsibility for any products or services obtained from third-party providers through our referral process. All agreements and transactions between you and third-party providers are entirely independent of us.

Submitting your information on this website does not guarantee that you will receive a response from an insurance provider or obtain insurance coverage.

How We Use Your Information

By using this website, you agree that your information may be shared with third-party insurance providers. Once shared, your information is subject to the privacy policies of those providers. If you no longer wish to receive communications, you must contact the provider directly to opt out.

We do not sell your personal information. Your data is only shared to facilitate the processing of your inquiries, in accordance with our privacy policy.

Disclaimer of Warranties

This website and our services are offered on an "as is" basis without warranties of any kind. We disclaim all warranties, express or implied, including but not limited to:

-Merchantability

-Fitness for a particular purpose

-Accuracy or reliability of information

-Non-infringement

We do not warrant that this website will be error-free, uninterrupted, or free from harmful software.

Limitation of Liability

To the fullest extent permitted by law, Ayala Healthcare Advising Insurance Agency and its affiliates shall not be held liable for any damages arising from:

- Your use of this website or services

-Information provided by third-party insurance providers

-Any insurance policy or service obtained from a third party

If any limitation of liability is deemed unenforceable, our total liability will not exceed $100.

Dispute Resolution and Arbitration

Unless prohibited by law, all disputes arising from your use of this website or our services shall be resolved through binding arbitration. Arbitration will be conducted in accordance with the rules of the American Arbitration Association (AAA) or another mutually agreed-upon arbitration provider.

Arbitration will be conducted in FL, unless both parties agree to an alternative location or telephonic arbitration for claims under $2,500.

Arbitration under these terms cannot be combined with other cases or class-action proceedings.

Modifications to These Terms

We reserve the right to change these terms, modify our website, or adjust our services at any time without prior notice. Any updated terms will be posted on this website, and continued use of the site after modifications constitutes acceptance of the updated terms.

If you do not agree with any modifications, you must discontinue use of this website and our services.

Governing Law

These terms are governed by the laws of the state of FL, excluding any conflict-of-law principles. If any portion of these terms is found invalid or enforceable, the remaining provisions shall continue in full effect.

Complete Agreement

These terms constitute the entire agreement between you and Ayala Healthcare Advising Insurance Agency regarding the use of this website and our services. Failure to enforce any provision shall not be considered a waiver of rights.

By using this website, you confirm that you have read, understood, and agreed to be legally bound by these terms.

Copy for Your Records

We recommend that you print or save a copy of these terms for your records. If you have any questions, please contact us at [email protected].